And if you were coming into a discussion with people saying "I think this thing happens", and you said "No, I don't think this thing happens, based on my person

And if you were coming into a discussion with people saying "I think this thing happens", and you said "No, I don't think this thing happens, based on my personal experience," that would be one thing. You're not. You're coming into a discussion with people saying, "I have experienced this thing happening to me," and you're saying "I don't think this thing happens, based on my experience", which means you are trying to use your non-universal experience to tell other people that their experience didn't happen.